Everyone wants to be healthy. Yet, illnesses do emerge out of the blue. Refundable Critical Illness Life Insurance Plan offers you the Critical Illness Benefit but also provides you with refundable amount equivalent to 103% of the Total Premium Paid upon the expiry of the 20-year Policy Term if the policy remains in force.

Remark: Please refer to the promotional leaflet for detailed terms and conditions and exclusions.

Guaranteed Acceptance
Only open for enrolment by selected customers, without any requirement for medical proof or medical checkup at all.

103% Premiums Refund upon Policy Maturity
If the policy remains in force, 103% refund of the total premiums paid is payable upon policy maturity, even if any claim has been made on the Carcinoma-in-situ Benefit.

Critical Illness Benefit
Up to HKD350,000 will be payable as lump sum compensation if the Life Insured is diagnosed, by a registered doctor, with any cancer, heart attack or stroke covered by the Plan.

Carcinoma-in-situ Benefit
Equivalent to 10% of the Critical Illness Benefit, the Carcinoma-in-situ Benefit will be payable as an advance payment, if the Life Insured is diagnosed by a registered doctor with any carcinoma-in-situ covered by the Plan, after the policy has become effective for 90 days.

Protection Beyond the Premium Payment Term
The Insured Person will enjoy protection against critical illness for 20 years upon payment of premiums for only 10 years.

Remark: Please refer to the promotional leaflet for detailed terms and conditions and exclusions.

In Hong Kong, cancer is the No. 1 killer, with an incidence rate of 1/4 among the male population*. Knowing this fact, Mr. Ma had enrolled in the Refundable Critical Illness Life Insurance Plan to protect himself and his family.

In a medical checkup, he was diagnosed by the doctor to have prostate cancer which required immediate treatment. Under the Plan, Mr. Ma received HKD35,000 as the Carcinoma-in-situ Benefit, covering all the necessary medical expenses.

Later, Mr. Ma was unfortunately diagnosed again with colorectal cancer. He went for a holistic solution combining both Chinese and western treatments. Under the Plan, he received compensation of HKD315,000 as the remaining benefit balance, which was used to largely cover chemotherapy treatments and then Chinese medicine. The treatment results were satisfactory.

The above figures and content are based on the Illustration Summary of the Plan for the assumed scenario and may differ from the actual circumstances. The example is provided only for reference and should not be regarded as a substitute for professional advice. The actual coverage is subject to the terms and conditions of the policy. Customers should take into account their own actual circumstances and needs and affordability before considering enrolling in any life insurance plan or medical protection plan. They are also advised to seek professional advice in relation thereto. Please refer to the policy for the exact terms, conditions and exclusions of the respective life insurance plan or medical protection plan. For details, please contact the staff of Hang Seng Bank.

Under the Refundable Critical Illness Life Insurance Plan in which she had enrolled, she was paid an advance payment of HKD35,000 as the Carcinoma-in-situ Benefit, helping her to easily cope with all the necessary medical expenses. She fully recovered after treatment.

Upon expiry of the Plan at the end of the 20th policy year, Ms. Luk was refunded with 103% of the total premiums paid. She spent the money on a European trip with her family.

The above figures and content are based on the Illustration Summary of the Plan for the assumed scenario and may differ from the actual circumstances. The example is provided only for reference and should not be regarded as a substitute for professional advice. The actual coverage is subject to the terms and conditions of the policy. Customers should take into account their own actual circumstances and needs and affordability before considering enrolling in any life insurance plan or medical protection plan. They are also advised to seek professional advice in relation thereto. Please refer to the policy for the exact terms, conditions and exclusions of the respective life insurance plan or medical protection plan. For details, please contact the staff of Hang Seng Bank.

The Refundable Critical Illness Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited, which is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the product is a product of Hang Seng Insurance Company Limited, not Hang Seng Bank.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly.

The above information is intended as a general summary of information only. Please refer to the actual policy for the exact terms, conditions and exclusions of the Plan.

You understand that this Plan is underwritten by Hang Seng Insurance Company Limited. You have to pay premium to Hang Seng Insurance Company Limited for your application for this Plan. The premium includes various fees and charges such as insurance cost (e.g. cost of death benefit determined formulated according to the mortality rate that is affected by sex and age of the insured person) and policy administration charges, etc. You also understand that Hang Seng Insurance Company Limited will pay commissions and sales incentives to “Hang Seng Bank” for marketing this Plan. The current remuneration system that “Hang Seng Bank” adopts is a measurement of the staff’s overall performance instead of focusing on sales production only.

Hang Seng Bank wishes to remind customers to remain vigilant in safeguarding their banking credentials such as e-Banking usernames, passwords and other sensitive account information and not to disclose any such information to third parties. More